Compare plans

Tap "+ Compare" on up to 4 plans. Scores shown are for a healthy 30-year-old — use the advisor for your family's score.

Feature	HDFC ERGO Optima Secure	Care Health Care Supreme	ICICI Lombard Elevate
Cost per day	₹32	₹27	₹35
Est. yearly premium	₹11,800	₹9,800	₹12,900
Claims settled	97.9%	92.6%	86.6%
Claims paid vs premium (ICR)	70%	57%	75%
Cashless hospitals	13,000+	11,400+	10,500+
Wait for existing illness	3 yrs	3 yrs	3 yrs
Room rent	No limit	No limit	No limit
Cover restore
Maternity
Doctor visits (OPD)
No-claim bonus	Cover doubles from day one (Secure Benefit)	+50% cover every claim-free year (up to 100%)	Up to 100% per year with Power Booster
Cover range	₹5L – ₹2Cr	₹5L – ₹1Cr	₹5L – Unlimited
Best for	Young families who want big cover at a fair price	Budget-conscious buyers, incl. older parents	Those who want the widest cover & quick claims

HDFC ERGO

Optima Secure

97.9% claims settled

About the cost of a daily snack 🥪

from

₹32/day

₹980/mo

Cover is doubled from the first day
No limit on room rent
Consumables (gloves, PPE) covered
Very high claim settlement record

3-year wait for existing illnesses
No maternity cover
Premium rises noticeably after 45

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Niva Bupa

ReAssure 2.0

91.9% claims settled

Less than a cup of chai a day ☕

from

₹30/day

₹910/mo

Premium stays at your entry age until a claim
Unlimited restore of cover
No room rent limit
Unused cover carried forward

3-year wait for existing illnesses
Claim ratio lower than top peers
No maternity

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Care Health

Care Supreme

92.6% claims settled

Less than a cup of chai a day ☕

from

₹27/day

₹820/mo

Low premium for the features
No upper entry age
Fast-growing no-claim bonus
Free yearly health check-up

Claim service reviews are mixed
3-year wait for existing illnesses
Co-pay may apply for older entrants

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Star Health

Comprehensive

86.5% claims settled

About the cost of a daily snack 🥪

from

₹34/day

₹1,030/mo

Maternity & newborn cover
Doctor consultations (OPD) included
Largest hospital network
Dental & eye cover options

Room limited to single private room
Maternity waits 2–3 years
Lower claim settlement ratio

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ICICI Lombard

Elevate

86.6% claims settled

About the cost of a daily snack 🥪

from

₹35/day

₹1,080/mo

Option for unlimited cover
Existing-illness wait can be cut to 1 year (add-on)
Strong claim record
Inflation-linked cover increase

Add-ons push premium up
No maternity
Slightly pricier base plan

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Aditya Birla

Activ One

95.6% claims settled

About the cost of a daily snack 🥪

from

₹31/day

₹930/mo

Chronic care for diabetes, BP from day 1 (variant)
Up to 100% premium back via wellness
Maternity variant available
Shorter 2-year waiting period

Many variants — easy to pick the wrong one
Rewards need active tracking
Premium higher with add-ons

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Tata AIG

Medicare Premier

100% claims settled

About the cost of a daily snack 🥪

from

₹39/day

₹1,180/mo

Maternity from ₹50,000+ with newborn cover
2-year existing-illness wait
OPD & vaccinations
Global cover option

Higher premium
Maternity wait 4 years in some variants
Fewer hospitals in tier-3 towns

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Star Health

Senior Citizens Red Carpet

86.5% claims settled

Less than one auto ride a day 🛺

from

₹66/day

₹2,000/mo

No medical tests to join
Existing illness covered after 1 year
Built for seniors 60–75
OPD consults covered

30% co-pay on every claim
Sub-limits on some treatments
No restore benefit

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Niva Bupa

Senior First

91.9% claims settled

Less than one auto ride a day 🛺

from

₹62/day

₹1,880/mo

No room rent cap (Gold variant)
Co-pay is optional
Restore of cover
2-year existing illness wait

High premium
Entry only up to 75
Medical tests may be asked

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Star Health

Diabetes Safe

86.5% claims settled

About the cost of a daily snack 🥪

from

₹43/day

₹1,320/mo

Diabetes complications covered from day 1 (Plan A)
Made for diabetics
Diabetes check-ups included

Low maximum cover
Co-pay applies
Only for diabetes, not other illnesses

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Bajaj Allianz

Health Guard

95.1% claims settled

Less than a cup of chai a day ☕

from

₹28/day

₹850/mo

Affordable premium
Maternity in Gold variant
Very large network
Good claim record

Room rent capped at 1% of cover
Slow no-claim bonus
3-year wait for existing illnesses

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ManipalCigna

ProHealth Prime

88.5% claims settled

About the cost of a daily snack 🥪

from

₹32/day

₹960/mo

OPD & diagnostics cover
Maternity in Advantage variant
Big no-claim bonus up to 200%
2-year existing illness wait

Smaller hospital network
Many add-ons to choose
Premium higher with OPD

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SBI General

Arogya Supreme

94% claims settled

Less than a cup of chai a day ☕

from

₹29/day

₹880/mo

Trusted PSU-backed brand
Maternity in Premium variant
Wide cover range
Easy service via SBI branches

Room limited to single private room
Slow no-claim bonus
3-year wait for existing illnesses

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New India Assurance

Mediclaim Policy

99.9% claims settled

Less than a cup of chai a day ☕

from

₹21/day

₹650/mo

Very low premium
Government-owned insurer
High claim settlement
Lifelong renewal

Room rent capped at 1% of cover
No restore benefit
Claims can be slower (via TPA)

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Royal Sundaram

Lifeline Supreme

92% claims settled

Less than a cup of chai a day ☕

from

₹30/day

₹920/mo

No room rent limit
Restore benefit
Good no-claim bonus
Free health check-up

No maternity
Brand less known
3-year wait for existing illnesses

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Galaxy Health

Galaxy Promise

90% claims settled

Less than a cup of chai a day ☕

from

₹27/day

₹830/mo

Entry up to 75
No room rent limit
Affordable
Restore benefit

New insurer — short track record
Smaller network
No maternity

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Reliance General

Health Infinity

98% claims settled

Less than a cup of chai a day ☕

from

₹30/day

₹900/mo

Excellent claim settlement
Maternity add-on
High cover options
Global cover option

3-year wait for existing illnesses
Add-ons raise cost
Network thinner in small towns

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